I have an everyday account in a bank in Germany and a Visa credit card account in the same bank. At the end of each month the negative credit card balance is automatically balanced by an automated transaction from the everyday account because I signed a special document for that in a bank office.
On Monday last week a German bank officer called me to update my address and, hearing from me that I left Germany and live in a non-European country, told me that the bank must close my accounts because I do not live in Germany. He said he would block my credit card in one week, i.e., by Monday this week, and asked me to send him by post a signed request to close my accounts and an instruction as to where he should transfer my money to.
At the moment of the call, I had ~1,600 Euro on my everyday account and a zero balance on the credit card account.
I got afraid that the bank might find a formal pretext not to send me any money at all, because I might have violated the contract with the bank by failing to inform the bank about leaving Germany.
Because of that fear, I decided to urgently withdraw almost all of my German money via ATMs, but could not use the Maestro debit card linked to the everyday account because I forgot the PIN code as a result of not using it for a long time.
For this reason, I decided to use the Visa credit card to urgently withdraw the money. By withdrawing cash from ATMs and making some purchases, I charged my credit card by ~1,550 Euro (including all fees), so the sum of balances on the everyday account and the credit card became just about +50 Euro. My motivation was to ensure that I neither owe anything nor leave any substantial money in Germany.
On Monday this week, i.e., yesterday, the bank officer sent me an email notifying me that he had blocked my credit card as he had promised and repeating that he needs a signed request to close my everyday account and an instruction as to where he should send my money to.
Today (on Tuesday) I wanted to send him what he wants, but first logged on to my online banking to check things and found that the credit card account entirely disappeared from there. What I can see online is only the everyday account with a balance of ~1,600 Euro. Nothing else. And this instantly triggered an alarm in my mind.
My question: What should I expect to happen with the credit card account and the debt on it?
More specifically, I want to know which of the following two scenarios will happen if I sent a letter as required by the bank officer:
Scenario 1: The bank will use my money on the everyday account to balance the debt on the credit card and then will transfer the difference (~50 Euro) to me.
Scenario 2: The bank will transfer ~1,600 Euro from my everyday account to me, and I will have to directly deal with Visa or a debt collection agency regarding the debt on the credit card (~1,550 Euro).
I did not even think about the possibility of Scenario 2, and I strongly dislike that scenario for many reasons (my lack of knowledge how to handle this, very slow and unreliable post in my country, many potential difficulties and fees, possible negative impact on some credit score of mine, etc.). I strongly prefer Scenario 1.
The bank officer responsible for my accounts was unavailable today and will be back to office only on Thursday (i.e., the day after tomorrow), and I am afraid to involve any other bank officer because it might complicate the issue. I do not know whether I should urgently do something to avoid Scenario 2, so I decided to ask here. Any advice about how to best sort out the issue is very welcome.